Skilled nursing and residential care facilities in Maine
PlanOptica tracks 15 health and welfare plans sponsored by 15 skilled nursing and residential care facilities in Maine, covering 3,775 participants and $25M in reported insurance premiums (plan year 2024 to 2025 filings). The median plan has 126 participants, and the most common size is 100 to 249 participants (60% of plans). Fully insured coverage is the norm (80% of plans); only 20% are self-funded or mixed.
Unitedhealthcare Insurance Company leads by premium with a 28% share, followed by Harvard Pilgrim Health Care at 28%. Cross Benefit Solutions is the broker of record on 8 plans, more than any other firm, ahead of Combined Services LLC (6). 100% of plans report broker compensation on Schedule A; the median brokered plan pays $52K a year, about 4.7% of premium. South Portland, Westbrook and Augusta have the most plans.
Funding mix
- Fully insured12 · 80%
- Mixed2 · 13%
- Self-funded1 · 7%
Plan size (participants)
- Under 1002 · 13%
- 100 to 2499 · 60%
- 250 to 4992 · 13%
- 500 to 9991 · 7%
- 1,000 or more1 · 7%
Median plan: 126 participants. Median broker comp: 4.7% of premium across 15 brokered plans.
Top carriers, skilled nursing, Maine
- 1Unitedhealthcare Insurance Company$7.1M3 plans · 28.3%
- 2Harvard Pilgrim Health Care$6.9M5 plans · 27.8%
- 3Community Health Options$6.5M4 plans · 26.2%
- 4Garden State Life Insurance Company$1.1M1 plans · 4.3%
- 5Standard Insurance Company - Dental$1.0M2 plans · 4.0%
- 6Delta Dental Plan of Maine$447K4 plans · 1.8%
- 7Unum Life Insurance Company of America$385K6 plans · 1.5%
- 8Sun Life Assurance Company of Canada$376K1 plans · 1.5%
- 9HCC Life Insurance Company$235K1 plans · 0.9%
- 10Cigna Health and Life Insurance Company$213K1 plans · 0.9%
Top brokers, skilled nursing, Maine
- 1Cross Benefit Solutions8 plans$282K comp · 53.3%
- 2Combined Services LLC6 plans$46K comp · 40.0%
- 3Cross Insurance4 plans$149K comp · 26.7%
- 4Alliant Insurance Services, Inc2 plans$76K comp · 13.3%
- 5James R Nelligan and Assoc LLC2 plans$76K comp · 13.3%
- 6Healey & Associates2 plans$48K comp · 13.3%
- 7Usi Insurance Services LLC2 plans$41K comp · 13.3%
- 8Patient Advocates, LLC1 plans$81K comp · 6.7%
- 9Robert Farnham1 plans$77K comp · 6.7%
- 10Clark Insurance, a Marsh & McLennan1 plans$69K comp · 6.7%
Largest skilled nursing and residential care facilities in Maine
| Employer / plan | City | Funding | Participants | Premium | Primary carrier |
|---|---|---|---|---|---|
| John F. Murphy Homes, Inc John F Murphy Homes, Inc. Consolidated Welfare BenAll plans | Auburn | Fully insured | 1,000 | $5.9M | Unitedhealthcare Insurance Company |
| First Atlantic Corporation First Atlantic Corporation Health Plan TrustAll plans | South Portland | Fully insured | 802 | $5.2M | Upmc Health Options |
| Davis Long Term Care Group, Inc Davis Long Term Care Group Inc Welfare Benefits PlanAll plans | Camden | Fully insured | 403 | $1.5M | Harvard Pilgrim Health Care |
| New Communities, Inc New Communities, Inc. Welfare Benefits PlanAll plans | Westbrook | Fully insured | 251 | $2.0M | Unitedhealthcare Insurance Company |
| Maine Life Care Retirement Community, Inc Maine Life Care Retirement Community, Inc., Dba Piper Shores Employee Benefits PlanAll plans | Scarborough | Fully insured | 169 | $1.9M | Harvard Pilgrim Health Care |
| Casa, Inc Casa, Inc. Wrap PlanAll plans | Westbrook | Mixed | 166 | $2.0M | Harvard Pilgrim Health Care |
| Rousseau Management, Inc Rousseau Management Inc - Welfare Benefit Plan Group InsurancesAll plans | Brunswick | Fully insured | 146 | $1.1M | Harvard Pilgrim Health Care |
| Medical Care Development, Inc Medical Care Development Employee Benefits PlanAll plans | Hallowell | Fully insured | 126 | $370K | Cigna Health and Life Insurance Company |
| Port Resources Port Resources Welfare PlanAll plans | South Portland | Fully insured | 123 | $1.0M | Upmc Health Options |
| Woodlands Senior Living, LLC Woodlands Senior Living Consolidated Welfare Benefits PlanAll plans | Augusta | Mixed | 118 | $165K | The Guardian Life Insurance Company of America |
| Motivational Services Motivational ServicesAll plans | Augusta | Fully insured | 117 | $1.1M | Harvard Pilgrim Health Care |
| Safe Residential Care, LLC Safe Residential Care, LLC Benefit PlanAll plans | South Portland | Fully insured | 115 | $794K | Upmc Health Options |
| Leap, Inc Leap, Inc. Fringe Benefit PlanAll plans | Farmington | Fully insured | 102 | $389K | Upmc Health Options |
| Skills, Inc Skills, IncAll plans | Saint Albans | Fully insured | 73 | $332K | HCC Life Insurance Company |
| Community Living Associaiton Community Living Associaiton Health PlanAll plans | Houlton | Self-funded | 64 | $1.1M | American National Insurance Company |
Plans by city in Maine
- South Portland3 plans · 1,040 participants
- Westbrook2 plans · 417 participants
- Augusta2 plans · 235 participants
- Auburn1 plans · 1,000 participants
- Camden1 plans · 403 participants
- Scarborough1 plans · 169 participants
- Brunswick1 plans · 146 participants
- Hallowell1 plans · 126 participants
- Farmington1 plans · 102 participants
- Saint Albans1 plans · 73 participants
- Houlton1 plans · 64 participants
Frequently asked questions
How many skilled nursing and residential care facilities in Maine offer an ERISA health plan?
15 health and welfare plans from 15 skilled nursing and residential care facilities in Maine appear in plan year 2024 to 2025 filings on Form 5500, covering 3,775 participants. Plans with fewer than 100 participants that are fully insured do not have to file, so small practices are under-counted.
Which insurance carriers cover the most skilled nursing and residential care facilities in Maine?
By Schedule A premium: Unitedhealthcare Insurance Company (28% of premium, 3 plans), Harvard Pilgrim Health Care (28% of premium, 5 plans) and Community Health Options (26% of premium, 4 plans).
Which benefits brokers work with skilled nursing and residential care facilities in Maine?
By number of client plans: Cross Benefit Solutions (8 plans), Combined Services LLC (6 plans) and Cross Insurance (4 plans). 100% of plans report a broker.
How much do brokers earn on skilled nursing and residential care facilities health plans in Maine?
The median brokered plan reports $52K a year in broker commissions and fees, or 4.7% of premium. Figures come from Schedule A, Part I.
Are skilled nursing and residential care facilities health plans in Maine self-funded or fully insured?
Fully insured 80%, mixed 13% and self-funded 7%. Self-funded and mixed plans together make up 20%.
Where does this data come from?
U.S. Department of Labor Form 5500 filings and their Schedule A insurance attachments, latest filing per plan. Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care.
Prospect skilled nursing and residential care facilities in Maine
Open the welfare search with Maine and this sector prefilled. Narrow by participants, funding type, carrier, broker and broker compensation, then save the view or export it.
Skilled nursing in nearby states
Other healthcare specialties in Maine
Source: U.S. Department of Labor Form 5500 and Schedule A, latest filing per plan (plan years 2024-2025). Nursing and residential care facilities (Form 5500 code 623000, which also covers assisted living), plus healthcare employers whose name says nursing or skilled care. Location is the sponsor's filing address in Maine.